PolicyBrief
S. 36
119th CongressJan 8th 2025
Protect Our Seniors Act
IN COMMITTEE

The "Protect Our Seniors Act" safeguards Medicare and Social Security benefits by making it more difficult for the Senate to pass legislation that reduces these benefits or uses Medicare savings for unrelated programs. It requires a two-thirds Senate vote to waive these protections.

Rick Scott
R

Rick Scott

Senator

FL

LEGISLATION

Protect Our Seniors Act: Locks in Medicare and Social Security, Requires Supermajority for Benefit Cuts

The "Protect Our Seniors Act" aims to make it significantly harder to cut Medicare and Social Security benefits. This bill introduces new rules in the Senate that essentially block any legislation attempting to reduce these benefits, and it prevents raiding Medicare savings to fund unrelated programs.

Fortifying Benefits

This Act sets up a strong defense against benefit reductions. Section 2 specifically prohibits the Senate from even considering any bill that would lower Medicare or Social Security benefits. Think of it as a procedural shield protecting these programs. To get around this, a bill would need a two-thirds supermajority vote in the Senate – a high bar to clear in today's political climate. For example, if lawmakers proposed changes to eligibility criteria that resulted in fewer people receiving Social Security, this rule would kick in, preventing the bill from moving forward without that supermajority.

Hands Off Medicare Funds

Section 3 tackles another potential threat: using Medicare savings for purposes other than Medicare itself. This "Medicare point of order" prevents lawmakers from, say, taking money saved through a new, more efficient Medicare program and using it to fund a highway project. It keeps Medicare funds strictly within the Medicare system. Again, a two-thirds Senate vote is required to bypass this restriction. This means if a hypothetical efficiency improvement in Medicare billing saved $10 billion, that money couldn't be redirected to, for instance, defense spending without overwhelming Senate support.

Real-World Impact & Challenges

For current and future retirees, this bill offers a significant layer of protection for their benefits. It means greater predictability and security, knowing that changes to these crucial programs would face a much tougher legislative path. However, the two-thirds requirement could also create gridlock. While protecting benefits, it might also make it harder to pass any reforms, even potentially beneficial ones, if there's significant political opposition. The bill's language around "reducing benefits" could also become a point of contention, requiring careful interpretation to ensure the rule is applied as intended.